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Why Overtime Pay Can Boost Social Security While Skipping Your Federal Pension
Federal wildland firefighters and civil servants frequently rack up hundreds of hours of overtime, yet that extra pay is systematically omitted from federal pension calculations. In contrast, Social Security counts every dollar earned up to statutory limits, creating surprising income shifts for public safety workers approaching retirement. Understanding the technical divergence between defined-benefit formulas and federal payroll deductions is critical for accurate retirement forecasting.
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